Did you know that you can get a mortgage that has both of your names on it rather than just one person’s? A joint mortgage. A joint mortgage can be a great way to share responsibility but it is also important to understand how it works. What is a joint mortgage? A mortgage for a […]
It’s important to find an advisor you know, trust and can rely on to put your needs first. We are delighted to announce that we have been recognised as one of the UK’s top advisors by VouchedFor. The VouchedFor platform is “home to the UK’s most trusted advisors” and they keep their recommendations up to
Since tuition fees trebled in 2012 students have been graduating with loans averaging £50,000 if maintenance costs are included. If you’re a parent in the position to help your child with their financial situation, helping them pay off their student loan is an attractive option. But, is it the best option? The Mail on Sunday’s
Should you you pay off your child’s student loan or help them with their mortgage? Read More »
The number of people buying their first home has hit its highest level in 12 years according to data from UK Finance. And, with an increase in buyers comes an increase in competition among mortgage lenders, which means it’s a great time to find competitive rates as a buyer. Whilst it seems discounted variable rate
What are the best mortgages for first-time buyers? Read More »
New research by Canada Life Home Finance has shown that home owners taking out equity release mortgages on their properties have helped 46 first time buyers get on to the housing ladder each week in 2018. But, despite the growing popularity of equity release it’s not always the best option for everyone. There are alternatives
Is equity release right for you? Are there other options to consider? Read More »
According to Zoopla, converting a loft would typically set you back around £20,000, while swapping the garage for living space would cost between £10,000 and £15,000. And while they’re usually cheaper than moving home completely, home improvements still need to be funded. There are a few options, including equity release which can be considered: 1.
What are the best ways to fund home improvements? Read More »
Before you apply to borrow money it’s always a good idea to make sure your credit rating is in good order to avoid rejection. There are a number of ways of maintaining a good credit score and here are 9 ways to improve your rating: 1. Pay your bills on-time This may seem obvious but
Philip Hammond has delivered his third Budget as chancellor, here are some of the key takeaway points… The personal allowance threshold, the rate at which people start paying income tax at 20%, to rise from £11,850 to £12,500 in April – everyone who pays tax will now pay a little bit less The higher rate
What’s in the new budget that affects me as an individual? Read More »
If you’re dreaming of a holiday home in the sun equity release is one option that could help you fund the purchase. ‘According to the Equity Release Council, older homeowners unlocked a record £971m from their homes in the second quarter of 2018. More people than ever are using their property wealth to fulfil their
How can I use equity release to buy a holiday home abroad? Read More »
Your credit rating is based on your information only. Where you live, your neighbours and past tenants of your home will not affect your ability to get credit. How often you move will also not affect your credit score. What can affect your ability to gain credit is the way credit reference agencies report your